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Scannable check management service

a management service and scanner technology, applied in the direction of instruments, wireless communication, electromagnetic radiation sensing, etc., can solve the problem of not being able to send private messages from the payor to the payee in the appropriate pla

Active Publication Date: 2019-11-19
CAPITAL ONE SERVICES
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

The patent describes a system that uses checks with scannable codes to access private accounts. The system analyzes the scannable codes to identify a memo associated with the code and determines if the user requesting access is the creating user or not. If the user is not the creating user, the system sends a message to the user indicating that the memo has expired. The technical effect of this system is to provide a more secure and efficient way to access private accounts.

Problems solved by technology

Furthermore, the memo line is visible to anyone inspecting the face of the check, so it is not an appropriate place for private messages from the payor to the payee.

Method used

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  • Scannable check management service
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Examples

Experimental program
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Embodiment Construction

[0021]Disclosed embodiments may utilize checks with scannable codes in place of or in addition to a memo line. For example, in some embodiments, user devices may be configured to scan checks and generate requests to access memo information. Servers may be configured to respond to the requests, for example by granting access, denying access, and / or granting access to memo creation functionality for some users. Some embodiments may enable enhanced memo functionality, such as providing significantly more data than can be contained on a traditional check memo line (e.g., including long sections of text and / or multimedia elements). Some embodiments may provide enhanced memo security, for example by permitting memo data access to authorized users (e.g., check account holder and / or intended recipient), restricting memo data access to unauthorized users, and / or restricting memo data access to certain times.

[0022]FIGS. 1A-1B show a network 100 according to an embodiment of the present disclo...

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PUM

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Abstract

A server may receive data identifying a requesting user and data identifying a scanned code from a client device. A processor of the server may analyze the data identifying the scanned code to identify a memo associated with the scanned code. The memo may be associated with a creating user. The processor may determine whether the requesting user is the creating user by analyzing the data identifying the requesting user. In response to determining that the requesting user is the creating user, the processor may permit the client device to access a private account associated with the creating user. In response to determining that the requesting user is not the creating user, the processor may cause the client device to display a message associated with the memo.

Description

BACKGROUND[0001]Checks typically include space for indicating a recipient who may cash the check, an amount of money to be transferred from an associated checking account upon cashing, a signature, and a memo. The space for entering the memo is typically a single line in a lower-left portion of the check. This is a small space that is capable of holding only a few words of text in most cases. Furthermore, the memo line is visible to anyone inspecting the face of the check, so it is not an appropriate place for private messages from the payor to the payee.SUMMARY OF THE DISCLOSURE[0002]Disclosed embodiments may utilize checks with scannable codes in place of or in addition to a memo line. For example, a method of providing data access may include receiving, at a server, data identifying a requesting user and data identifying a scanned code from a client device. The method may include analyzing, by a processor of the server, the data identifying the scanned code to identify a memo ass...

Claims

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Application Information

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IPC IPC(8): G06K7/14G06Q20/32G06Q20/04H04L29/06G06V30/224
CPCG06Q20/042H04L63/08G06K7/1417G06Q20/3223G06Q20/3276G06F21/6245G06Q20/4016H04W12/77
Inventor BENKREIRA, ABDELKADER M'HAMEDEDWARDS, JOSHUAMOSSOBA, MICHAEL
Owner CAPITAL ONE SERVICES
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